Car Insurance in Ecuador

What to ask before you buy

• What coverage is required by Ecuador law vs. optional? Liability is the legal floor.
• What is the deductible in USD, and how does it change by claim type?
• Are collision and comprehensive included, or only available as an add-on?
• Does the policy cover a replacement vehicle during repairs? For how many days?
• Is glass damage (windshield) covered separately or under collision?
• Are personal belongings in the car covered? At what limit?

Coverage lines you will see

• Liability (RC): damage you cause to others — required.
• Collision / All-risk: damage to your car in a crash — optional.
• Theft (robo): stolen vehicle or parts — optional.
• Fire / natural event: fire, flood, earthquake — often bundled.
• Glass (cristales): windshield and window damage — usually separate.
• Personal accident: driver and passenger injury — optional.
• Legal assistance: defense and counsel costs — optional.

Smart moves before you sign

• Get three quotes with the same coverage list so you can compare apples to apples.
• Ask about no-claim discount (bono de no siniestralidad) — it can cut renewal cost.
• Confirm that your usual mechanic and any preferred body shop are accepted.
• Check roadside assistance — flat tire, towing, lockout, and battery help.

What to send your advisor

Car year, make, model, plate or VIN, the city where it is garaged, who else drives it, and the coverage list you want quoted.